By Isabel Eva Bohrer on August 24, 2012 in
Staying on top of your personal finances can be a hassle, but it doesn't need to be. Thanks to apps, you can now keep track of all of your accounts at once using your smartphone. Whether you're looking to minimize your everyday expenses or to manage your investment portfolio more effectively, apps can help you do it. This way, you will always know how much you have spent, and how much you still have left to spend, wherever you are.
Pageonce Money & Bills
Free for iPhone, Android, iPad, Windows Phone 7, Windows Mobile, BlackBerry, Desktop
This app allows you to keep track of your money and bills in one place. In addition to viewing credit card and bank statements, as well as tracking your investment portfolio, you can receive real-time alerts whenever a bill is due. In fact, the app works not only for bank accounts; it also allows you to keep an eye on your frequent flyer miles and rewards, as well as your cell phone use, including minutes, text and data usage.
Mint.com Personal Finance
Free for iPhone, Android
From checking and savings, to credit cards, investments and retirements, this app keeps track of your accounts no matter where you are. You’ll know exactly how much money you still have left, since the app puts together a personalized budget based on how much you have already spent. (To control cash spending, you can enter amounts manually). As you monitor your cash on the go, you can set bill payment reminders to avoid late fees and other penalties. The iPad version even lets you view all of the data above, as well as a graph that shows how much you’re spending, without a Wi-Fi connection. For your security, access to the app requires that you enter a 4-digit PIN.
PocketMoney
$4.99 for iPhone/iPad and Android
PocketMoney keeps track of more than just the cash you might have in your pocket. A comprehensive personal finance app, it enables you to stay on top of your cash flow even when you are out and about. After you download the app, begin by entering your income and expenses; whether these occur on your credit cards, checking or savings account doesn't matter - the app allows you to track all of them. You'll be able to view current, future and cleared balances, as well as numerous other useful graphics. Like the Mint.com app, PocketMoney also comes with password protection. There is also a free, lite version for Android that includes ads and is limited to two accounts.
Billtracker
$0.99 for iPhone
How many times have you been charged a fee for paying a bill late? True to its name, this app allows you to keep track of your bills -- and avoid penalty fees. In addition to entering how much you owe, you can also set a reminder to make sure you pay on time. You can even request a confirmation number when payments are processed. Note that recurring bills are not included in the free version of the app.
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